Umbrella Liability Insurance

Umbrella liability insurance is designed to protect you against losses that go above the limit of your homeowners, auto, renters, and other insurance policies. It helps protect your assets when your original policy’s liability limits are exhausted; for example, if someone is injured on your property and sues you.
An umbrella policy kicks in when you reach the limit of your underlying liability coverage. If you have liability limits of $300,000 on your homeowners policy and $500,000 on your auto insurance policy, purchasing a $1,000,000 umbrella policy raises your limits to $1,300,000 and $1,500,000 respectively. An umbrella policy can also help protect you when there is no underlying limit requirement.
An umbrella policy can help:
Cover attorney’s fees
Pay for settlements and judgments against you
Protect you in cases of libel and slander
Many people find an umbrella policy makes sense because of the added protection it can provide. This type of policy is especially important if you have assets to protect – like a home or if you want to help ensure that an unfortunate event will not put the personal assets you have worked so hard for at risk.
Call Wells Fargo Insurance to talk about adding an umbrella liability policy to the coverage you already have.
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